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How did Kissinger get into Clinton-Sanders debate?
Former U.S. Secretary of State Henry Kissinger listens to a question at China Development Forum, in Beijing March 21, 2015. REUTERS/Jason Lee  Reuters
Clinton, Sanders clash over costs at debate

Challenging job: President Trump’s top diplomat
LOS ANGELES, CA - SEPTEMBER 15:  Republican presidential candidate Donald Trump speaks during a campaign rally aboard the USS Iowa on September 15, 2015 in Los Angeles, California. Donald Trump is campaigning in Los Angeles a day ahead of the CNN GOP debate that will be broadcast from the Ronald Reagan Presidential Library in Simi Valley.  (Photo by Justin Sullivan/Getty Images)  Getty Images
Voters don’t care about promises — just vision

Looks like time for bottom fishing in U.S. stocks

Stocks will likely be higher in six months
The Dow’s downtrend is now official
5 signs we’re in a bear market

What ‘affordable’ Tesla Model 3 means for buyers
What the ‘affordable’ Tesla Model 3 rollout means for car buyers Getty Images
Tesla predicts rosy 2016 —can Musk deliver?
Tesla’s Model 3: The 5 things we now know

Why you probably won’t see 99-cents-a-gallon gas
 Getty Images

The top 10 tax havens for individuals in the world
 Shutterstock.com
Watch out for these tricky tax issues this year

A rare bit of good news about dementia
LLANDUDNO, WALES - SEPTEMBER 08:  Senior citizens walk along Llandudno Pier on September 8, 2014 in Llandudno, Wales. Britain is facing multiple problems stemming from an increase in the elderly proportion of its population, including increasing health care costs, strains on its social security system, a shortage of senior care workers and challenges to the employment market.  (Photo by Christopher Furlong/Getty Images)  Getty Images

Don’t get smoked by your marijuana investment
Don't get smoked by your marijuana investment Getty Images

Burger King’s hot dog plan is so crazy it could work
Burger King to make its biggest menu change yet  Getty Images

Actually, the most popular new emoji isn’t the taco
Rolling eyes are the most popular of the new iOs emojis for iPhone users.

need to know
Pope Francis in Cuba for historic meeting
Shake Shack plans to open in St. Louis
Zika vaccine is at least a year and a half away
U.S., Russia agree to terms of Syrian cease-fire
10 big stories you’ve missed this week
Biggest rise in Treasury yields in 2½ months
Import prices drop 1.1% on cheaper oil
Uber to pay riders millions to settle safety suits
Mattel names new boss for Barbie business

Grammys make Memphis candy shop a winner

How grocery business got ‘barbell’ shape

Penney responds to lawsuit over Burberry plaid
Kohl’s eliminates three executives
Retail sales increase 0.2% in January

This can’t be why Apple made Beats deal with Dre

Google exec squirms when questioned about pay

Economists increasingly see Fed hands as tied
What central-bank failures mean for investors
Have central banks lost market credibility?

First-quarter earnings forecast is getting worse

Big banks are fleeing the mortgage market
Big banks are fleeing the mortgage market
Boomers are loading up on debt, not millennials

CEO Jamie Dimon’s $26 million bet on J.P. Morgan
Jamie Dimon joins the ex-billionaires club

LONDON - SEPTEMBER 15:  A financial news update in Canary Wharf on September 15, 2008 in London, England. The fourth largest American investment bank has announced that it's filing for bankruptcy protection during a growing financial crisis.  (Photo by Cate Gillon/Getty Images)
Is it 2008 all over again? (And what to expect if it is)

Time for a coordinated response to China’s yuan
Japan warns investors about the surging yen
Worried about the stock market? Watch yen

Sweden’s negative  rate isn’t as scary as it appears

Think like Buffett, and buy what's ugly
Think like Buffett, and buy stocks at their worst

5 things to know about the Costco and AmEx breakup

6 perfect roles for Martin Shkreli, Hollywood’s next leading man
Martin Shkreli: Star of stage, screen and pharma
There’s a ‘Jane’ in nearly all Hollywood scripts

Taxpayers already paying for future Super Bowls

Beer’s incessant infighting clouds the big picture

How to buy a used car
The correct way to go about buying a used car

College freshmen are most liberal since Vietnam


/conga/frontpage.html 367869

Markets »

132.55MDow Volume:
Avg Vol: 132.70M
Unchanged
134
Decliners
1500
Advancers
4873
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 15,974 +314 2.00%
Nasdaq
/quotes/zigman/12633936/realtime 4,338 +71 1.66%
S&P 500
/quotes/zigman/3870025/realtime 1,865 +36 1.95%
GlobalDow
/quotes/zigman/629063/realtime 2,070 +23 1.11%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Oil
/quotes/zigman/2260836/delayed 29.02 +2.81 10.72%
FTSE 100
/quotes/zigman/3173262/delayed 5,708 +171 3.08%
DAX
/quotes/zigman/2380246/delayed 8,968 +215 2.45%
CAC 40
/quotes/zigman/3173214/delayed 3,995 +98 2.52%
FTSE MIB
/quotes/zigman/1482176/delayed 16,515 +742 4.70%
IBEX 35
/quotes/zigman/2759620/delayed 7,921 +175 2.25%
Stoxx 600
/quotes/zigman/2380150/delayed 312 +9 2.91%
Asia Dow
/quotes/zigman/6959860/realtime 2,385 -51 2.10%
Nikkei 225
/quotes/zigman/5986735/delayed 14,953 -761 4.84%
Hang Seng
/quotes/zigman/2622475/delayed 18,320 -226 1.22%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 22,986 +34 0.15%
Singapore
/quotes/zigman/1709939/delayed 2,540 +2 0.07%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 -0.01 0.61%
Yen
/quotes/zigman/16008150/realtime/sampled 113.25 +0.83 0.74%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.18%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.04%
DXY Index
/quotes/zigman/1652083/delayed 95.97 +0.36 0.38%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.99 +0.23 0.26%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.75 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.26 +0.07 37.97%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.08 4.67%
Spain 10yr
/quotes/zigman/15866444/realtime 1.74 -0.04 2.01%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.08 +0.06 442.45%
Crude Oil
/quotes/zigman/2260836/delayed 29 +3 10.72%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Corn
/quotes/zigman/25518691/delayed 359 -1 0.35%
DJIA F
/quotes/zigman/48241424/delayed 15,925 +313 2.00%
S&P F
/quotes/zigman/43106711/delayed 1,860 +36 1.95%
Silver
/quotes/zigman/32655632/delayed 16 0 0.03%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.01 0.10 0.10%
AAPL /quotes/zigman/68270/composite 93.99 0.29 0.31%
GOOG /quotes/zigman/59527964/composite 682.40 -0.71 -0.10%
BAC /quotes/zigman/190927/composite 11.95 0.79 7.08%
C /quotes/zigman/5065548/composite 37.54 2.56 7.32%
F /quotes/zigman/264304/composite 11.55 0.38 3.40%
T /quotes/zigman/398198/composite 36.47 0.26 0.72%
BP /quotes/zigman/247026/composite 29.02 1.38 4.99%
GE /quotes/zigman/227468/composite 28.26 0.81 2.95%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.6%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/19622165/composite BBRY+0.98%
  • /quotes/zigman/59392505/composite NUGT+7.99%
  • /quotes/zigman/439823/composite HTZ+5.49%
  • /quotes/zigman/12230574/composite ICPT+27.50%
  • /quotes/zigman/34377877/composite TERP+2.88%
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Your personal finance questions, answered.

Should I Pay My Federal Student Loan Off Now?

    • Terrible advice. I’m not sure what Scott is thinking here. The loan is likely a federal loan (they do go up to 8.5%), and those cannot be consolidated at a lower interest rate.

      They could 5 years ago. Maybe Scott is living in the past?

    • Your federal student loan interest is tax deductible up to a maximum… so if you fall under that cap, put your extra money to work for you elsewhere

    • I do think the answer provided is inadequate. I have a number of student loans that I prepay because 1. The rates exceed other debt obligations (e.g. car, mortgage) 2. I cap out on my max interest rate deduction every year 3. Need to free up cash flow.

      Student loans are very difficult to manage in the sense that there really aren’t many alternatives to how you can manage them. You can 1. Repay 2. Defer 3. Default or 4. Consolidate

      I’ll start with 4. Consolidation is a terrible option for me, because once you do so, you lose all benefits of government loans (e.g. subsidized interest payments). Also, the only way to consolidate nowadays is through the government. I explored this opportunity and realized that not only would me overall interest rate be higher, but I would also be paying more monthly.

      3. Default — This is an easy one for me. Despite my financial hardships, I have this thing that I see all to rarely in our world today and it’s called principles. I do not default on my loans and I do not condone it. I also do not recommend it as there are plenty of other rather interesting ways for the government to get their student loan money.

      1. Repay or prepay — I’ve built tons of great models to target how to spend any amount of prepayments on my loans (I have way too many student loans) but in general I would say that if you have extra cash to prepay, target high interest, highest balance first. When all balances are more/less equal, target just the highest balance. For me, repayment can also be a function of cash flow. If I want to free up an additional XXX/mo, I will target loans that will allow me to do that although from a finance perspective this isn’t the best solution.

      2. Defer — Go back to school. If you have subsidized loans, guess what? The government will pay your interest if you re-enrolled in a program at least half time. I have been in school every semester since I graduated and although you have to make payments every semester you get two benefits 1. You continue your education and 2. you save tons of money on interest. Keep in mind, that you can still pay your loans while in school but the US Taxpayer is picking up the interest for you. In 3 years I’ve saved over $20k in interest to full maturity this way. You can also enroll in something simple and easy (Don’t blow up your loans even more by going to get your MBA at a private school). I got a small certification in a graduate program and am now taking programming courses for fun. It’s simple, easy and by far the most cost effective.

      These solutions, of course, work best for me and my personal finances. I know that other people’s situations differ and circumstances change what would work best but hopefully this is a more complete answer.

    • In “The Gospel of Roth- The Good News About Roth IRA Conversions and How They Can Make You Money” by John Bledsoe it clearly steats in the book that NO ANALYSIS is needed and that everyone should convert to a Roth IRA regardless of income. There is NO risk! The IRS is giving us a year to recharacterize or “undo” the conversion. This book gives the ins and outs for Roth IRAS! It really helped answer all my questions.

Comments

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MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert
How did Kissinger get into Clinton-Sanders debate?
Former U.S. Secretary of State Henry Kissinger listens to a question at China Development Forum, in Beijing March 21, 2015. REUTERS/Jason Lee  Reuters
Clinton, Sanders clash over costs at debate

Challenging job: President Trump’s top diplomat
LOS ANGELES, CA - SEPTEMBER 15:  Republican presidential candidate Donald Trump speaks during a campaign rally aboard the USS Iowa on September 15, 2015 in Los Angeles, California. Donald Trump is campaigning in Los Angeles a day ahead of the CNN GOP debate that will be broadcast from the Ronald Reagan Presidential Library in Simi Valley.  (Photo by Justin Sullivan/Getty Images)  Getty Images
Voters don’t care about promises — just vision

Looks like time for bottom fishing in U.S. stocks

Stocks will likely be higher in six months
The Dow’s downtrend is now official
5 signs we’re in a bear market

What ‘affordable’ Tesla Model 3 means for buyers
What the ‘affordable’ Tesla Model 3 rollout means for car buyers Getty Images
Tesla predicts rosy 2016 —can Musk deliver?
Tesla’s Model 3: The 5 things we now know

Why you probably won’t see 99-cents-a-gallon gas
 Getty Images

The top 10 tax havens for individuals in the world
 Shutterstock.com
Watch out for these tricky tax issues this year

A rare bit of good news about dementia
LLANDUDNO, WALES - SEPTEMBER 08:  Senior citizens walk along Llandudno Pier on September 8, 2014 in Llandudno, Wales. Britain is facing multiple problems stemming from an increase in the elderly proportion of its population, including increasing health care costs, strains on its social security system, a shortage of senior care workers and challenges to the employment market.  (Photo by Christopher Furlong/Getty Images)  Getty Images

Don’t get smoked by your marijuana investment
Don't get smoked by your marijuana investment Getty Images

Burger King’s hot dog plan is so crazy it could work
Burger King to make its biggest menu change yet  Getty Images

Actually, the most popular new emoji isn’t the taco
Rolling eyes are the most popular of the new iOs emojis for iPhone users.

need to know
Pope Francis in Cuba for historic meeting
Shake Shack plans to open in St. Louis
Zika vaccine is at least a year and a half away
U.S., Russia agree to terms of Syrian cease-fire
10 big stories you’ve missed this week
Biggest rise in Treasury yields in 2½ months
Import prices drop 1.1% on cheaper oil
Uber to pay riders millions to settle safety suits
Mattel names new boss for Barbie business

Grammys make Memphis candy shop a winner

How grocery business got ‘barbell’ shape

Penney responds to lawsuit over Burberry plaid
Kohl’s eliminates three executives
Retail sales increase 0.2% in January

This can’t be why Apple made Beats deal with Dre

Google exec squirms when questioned about pay

Economists increasingly see Fed hands as tied
What central-bank failures mean for investors
Have central banks lost market credibility?

First-quarter earnings forecast is getting worse

Big banks are fleeing the mortgage market
Big banks are fleeing the mortgage market
Boomers are loading up on debt, not millennials

CEO Jamie Dimon’s $26 million bet on J.P. Morgan
Jamie Dimon joins the ex-billionaires club

LONDON - SEPTEMBER 15:  A financial news update in Canary Wharf on September 15, 2008 in London, England. The fourth largest American investment bank has announced that it's filing for bankruptcy protection during a growing financial crisis.  (Photo by Cate Gillon/Getty Images)
Is it 2008 all over again? (And what to expect if it is)

Time for a coordinated response to China’s yuan
Japan warns investors about the surging yen
Worried about the stock market? Watch yen

Sweden’s negative  rate isn’t as scary as it appears

Think like Buffett, and buy what's ugly
Think like Buffett, and buy stocks at their worst

5 things to know about the Costco and AmEx breakup

6 perfect roles for Martin Shkreli, Hollywood’s next leading man
Martin Shkreli: Star of stage, screen and pharma
There’s a ‘Jane’ in nearly all Hollywood scripts

Taxpayers already paying for future Super Bowls

Beer’s incessant infighting clouds the big picture

How to buy a used car
The correct way to go about buying a used car

College freshmen are most liberal since Vietnam


/conga/frontpage.html 367869

Markets »

132.55MDow Volume:
Avg Vol: 132.70M
Unchanged
134
Decliners
1500
Advancers
4873
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 15,974 +314 2.00%
Nasdaq
/quotes/zigman/12633936/realtime 4,338 +71 1.66%
S&P 500
/quotes/zigman/3870025/realtime 1,865 +36 1.95%
GlobalDow
/quotes/zigman/629063/realtime 2,070 +23 1.11%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Oil
/quotes/zigman/2260836/delayed 29.02 +2.81 10.72%
FTSE 100
/quotes/zigman/3173262/delayed 5,708 +171 3.08%
DAX
/quotes/zigman/2380246/delayed 8,968 +215 2.45%
CAC 40
/quotes/zigman/3173214/delayed 3,995 +98 2.52%
FTSE MIB
/quotes/zigman/1482176/delayed 16,515 +742 4.70%
IBEX 35
/quotes/zigman/2759620/delayed 7,921 +175 2.25%
Stoxx 600
/quotes/zigman/2380150/delayed 312 +9 2.91%
Asia Dow
/quotes/zigman/6959860/realtime 2,385 -51 2.10%
Nikkei 225
/quotes/zigman/5986735/delayed 14,953 -761 4.84%
Hang Seng
/quotes/zigman/2622475/delayed 18,320 -226 1.22%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 22,986 +34 0.15%
Singapore
/quotes/zigman/1709939/delayed 2,540 +2 0.07%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 -0.01 0.61%
Yen
/quotes/zigman/16008150/realtime/sampled 113.25 +0.83 0.74%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.18%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.04%
DXY Index
/quotes/zigman/1652083/delayed 95.97 +0.36 0.38%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.99 +0.23 0.26%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.75 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.26 +0.07 37.97%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.08 4.67%
Spain 10yr
/quotes/zigman/15866444/realtime 1.74 -0.04 2.01%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.08 +0.06 442.45%
Crude Oil
/quotes/zigman/2260836/delayed 29 +3 10.72%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Corn
/quotes/zigman/25518691/delayed 359 -1 0.35%
DJIA F
/quotes/zigman/48241424/delayed 15,925 +313 2.00%
S&P F
/quotes/zigman/43106711/delayed 1,860 +36 1.95%
Silver
/quotes/zigman/32655632/delayed 16 0 0.03%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.01 0.10 0.10%
AAPL /quotes/zigman/68270/composite 93.99 0.29 0.31%
GOOG /quotes/zigman/59527964/composite 682.40 -0.71 -0.10%
BAC /quotes/zigman/190927/composite 11.95 0.79 7.08%
C /quotes/zigman/5065548/composite 37.54 2.56 7.32%
F /quotes/zigman/264304/composite 11.55 0.38 3.40%
T /quotes/zigman/398198/composite 36.47 0.26 0.72%
BP /quotes/zigman/247026/composite 29.02 1.38 4.99%
GE /quotes/zigman/227468/composite 28.26 0.81 2.95%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.6%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/19622165/composite BBRY+0.98%
  • /quotes/zigman/59392505/composite NUGT+7.99%
  • /quotes/zigman/439823/composite HTZ+5.49%
  • /quotes/zigman/12230574/composite ICPT+27.50%
  • /quotes/zigman/34377877/composite TERP+2.88%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
  • Editorial e-newsletters about personal finance, mutual funds and market-specific coverage
  • Premium newsletters by our market experts
  • Games, such as Virtual Stock Exchange and Beat the Darts
  • Free WSJ.com registration